In a large stockpot, brown ground beef with chopped onions. Drain off most of the fat. Add dry spices and garlic and stir until spices are toasted and garlic softened. Add tomato sauce, beans and water and bring to a gentle boil for 20 minutes. Stir in Masa flour and continue to simmer for an additional 30 minutes. Serve piping hot with your choice of garnishes.